What’s The Big Deal About Metal Credit Cards?

I just don’t get the metal credit card trend. Maybe it’s because I’m not out to impress anyone with what credit card I’m using. I use credit cards so I can earn miles or points to use for our travels. I couldn’t care if the cashier is impressed about the weight of the card I handed to him/her to make my purchase.

I work in retail and I’ve been handed everything from a Walmart Money Card to an AMEX Centurion Card. You know what I do when I’m handed the card? I swipe it through the register and I need to remember not to use a metal card to tap my touchscreen monitor in fear of breaking the glass. Deep down inside I know the person using the Centurion card, that costs $2,500 a year for the annual fee, is only earning one point per dollar on purchases when even the free AMEX Everyday would earn the same number of Membership Rewards points.

So then why is it that every bank seems to be lining up to offer their new metal credit card? According to an article in Marketwatch.com, it’s because a metal card makes your subconscious think you’re successful.

They’ve become the newest status symbol for consumers who like their travel rewards. “People will seldom admit they took a card out just because of what it feels like in their hand, but there’s no doubt subconsciously it makes a big difference,” said Gerard du Toit, a Boston-based partner at the consulting firm Bain & Company, who is the head of the firm’s banking practice in the Americas.

Really everyone. A heavier credit card is going to make you feel better???? #SMH.


On the home front, Citi Prestige just sent Sharon a brand new metal card even though her plastic card was still good for another year (Note from Sharon: When the card came in this thick cardboard box, I thought it was something important! The I saw it was just a credit card. Oh well.). Here’s how they bragged about the metaliness (Note from Sharon: Metalitivity?) of the card in the packing materials.

You now hold a first release Citi Prestige metal card in your hands.

This card was reimagined, recast and reinforced as a recommitment to you. Its sleek design is reflective of your modern lifestyle – its benefits even more so. 


(Note from Sharon: “Experience life with an extra edge?” Really? I think they were trying to make me feel like I should take a cold shower after all that. Guess what? Didn’t work.)

The letter hidden in the packaging did include this disclaimer:

Your new card contains metal, do not shred. Please contact the number on the back of your card for assistance disposing of your card. 

Whatever. The most important thing was that Citi finally got rid of the pretentious stripe on the front of the card and put the stripe back onto the reverse of the card. At least now we won’t have to keep telling everyone how to run it through the card reader.

Here’s a list of the currently issued metal cards. I’m including my links to the ones I’ve reviewed; they may have my referral links included, but please don’t apply for any of these cards JUST because they are metal. Although if you were the type of person to do that, I doubt you’d be reading a blog that publishes reviews of South of the Border, The Mai-Kai and hotels in Pigeon Forge.

  1. Amazon Prime Rewards
  2. American Express Gold Card
  3. American Express Platinum Card
  4. American Express Centurion (Black) Card
  5. Capital One Venture Rewards
  6. Chase Sapphire Preferred
  7. Chase Sapphire Reserve
  8. Citi Prestige
  9. IHG Premier Card
  10. JP Morgan Reserve
  11. Marriott Rewards Premier
  12. MasterCard Black Card
  13. MasterCard Gold Card
  14. Ritz-Carlton Card
  15. United Airlines Mileage Plus Club
  16. U.S. Bank Altitude Reserve
  17. Wells Fargo Propel American Express


I’ve never picked out what card I was going to use based on how heavy it was. Personally, I liked this explanation of the usefulness of metal cards from Credit Card Insider 

Personally, I prefer the utility. I’ve definitely used my Chase Sapphire Preferred to open a door when I locked myself out, and to scrape ice off a window in the winter.

While I don’t have use for an ice scraper in Florida, I’ll remember it if I ever rent a car in the northern states in the winter months.

Feature Picture courtesy of AndyAndy (and a blowtorch)

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6 thoughts on “What’s The Big Deal About Metal Credit Cards?”

  1. Someone sound salty. Typically metal cards offer more benefits. I use my CSP and CF to transfer points between them, utilizing them both to maximize points. On top of that, the CSP provides insurance when traveling. There’s a few other small benifits as well.

    1. The CSP would offer all of those same benefits if the card was plastic, wouldn’t it. What does the card being metal have anything to do with the benefits?

    2. Hey. It’s your right to not care about them, and to be honest it could be bulls***, the miles you earn on these cards are higher. On my platinum I get 5x more, plus lounge access, priority pass, etc. It just happened to be a metal card, but if it wasn’t, I would still get one cuz it’s worth it.

  2. I just canceled a Visa card from Chase that was metal. Those things are *tough*! I usually cross-cut shred a credit card I no longer use with scissors. Definitely cannot use scissors on the metal card. Wire cutters and tin snips are not very effective either; the metal card is so thin, the cutters are nearly closed before they engage, so I do not get much mechanical advantage on it. I hope I never get another metal card again!

    1. Good question. When I received replacement cards for metal cards, the banks sent an envelope with the new cards for me to return the old ones for destruction. I’m not sure about when you cancel a card but I guess you can tell the rep on the phone or email to send you one when you’re canceling it.

      1. The issuers if bet that the heavy card with more benefits will encourage you to carry fewer cards. A wallet full of metal cards would be too heavy. I carry 2 and use Google Pay when I can and avoid taking out my wallet.

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